Whether you’re just getting started or in your prime years, every Comerica checking account comes loaded with the technology you want and personal service you expect from a higher level of banking.
Full-Service Checking Accounts
Accounts for every phase of life
Access Checking
For those with simple financial needs, this feature-rich, hassle-free account gives you the features you want and the service you expect.
Rich Rewards® Checking
For those building their financial future, this interest-bearing account comes with wealth planning services.
Premier Checking
For those with more robust financial needs, this interest account comes with premium wealth planning and money management services.
Comerica Platinum Circle Checking®
Our highest level account for those with the most demanding financial needs, this high-interest account comes with our complete portfolio of financial services to help you protect and grow your wealth.
| Access Checking | Rich Rewards® Checking | Premier Checking | Comerica Platinum Circle Checking® | |
| Account description1 | Our basic checking account that comes with a Statement Savings Account without a monthly maintenance fee |
Our interest-bearing checking account that comes with a Statement Savings Account without a monthly maintenance fee |
Our interest-bearing checking account that comes with a Statement Savings Account or Money Market Investment Account (MMIA) without a monthly maintenance fee |
Our high-interest account with the works: preferred rates, dedicated service line and a higher withdrawal Comerica Debit Card or ATM Card |
| Best for2 | Those with basic checking needs and a minimum daily Ledger Balance of $1,0002 |
Those who are looking for a more robust checking account with a minimum daily Ledger Balance of $5,0002 |
Those with broader personal financial needs with a minimum daily Ledger Balance of $7,5002 |
Those who maintain a $50,000 average daily Ledger Balance in any combination of personal or business deposit accounts11,12,13 or who meet other qualifications14 |
| Benefits | No monthly fee for Comerica Web Banking® and Comerica Web Bill Pay®3 Comerica Debit Card or ATM Card and use of Comerica ATMs Check Safekeeping4 |
All the benefits of Access Checking, plus: Interest-bearing checking with free Comerica Advantage checks Increased interest rate on new fixed-rate CDs and IRAs with new money and a term of one year or more5 A rate discount on a Comerica Home Equity Flexline® and Non-real estate Installment Loan when using autopay6 Safe Deposit Box Discount of 25% (up to $50) Check Photo7 option |
All of the benefits of Rich Rewards Checking, plus: Your choice of an MMIA or Statement Savings account with no monthly maintenance fee Increased interest rate on new fixed-rate CDs and IRAs with new or existing money and a term of one year or more8 Discounts in certain residential mortgage closing costs9 Safe Deposit Box Discount of 50% (up to $50) Refund of the Comerica ATM fee for using a non-Comerica ATM in the U.S.10 |
All the benefits of Premier Checking, plus: Dedicated customer service number: 877-894-1592 Increased interest rate on new fixed-rate CDs and IRAs with new or existing money and a term of 180 days or more8 Increased money market interest rates Checking account with no monthly maintenance fee for a household member11 Free Comerica checks Free Safe Deposit Box (up to $200 value) HY MMIA and a Statement Savings Account with no monthly maintenance fees No fee on Wire Transfers (domestic & foreign) Named in the Top 10 “Best Premium Checking Accounts of 2025” by GoBankingRates.com15 |
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1For more specific information regarding the requirements, features and benefits of each checking account type please click Learn More above. For more information on account fees and terms and conditions please refer to the Personal Services and Charges Brochure and the Comerica Business & Personal Deposit Account Contract.
2 Ledger Balance is the balance in your account that reflects posted transactions, which include deposits, credits, withdrawals and other debits.
3 Fees may apply for using Comerica External Transfer service and Comerica Person to Person Transfer service offered through Comerica Web Banking. There is no monthly fee for Comerica Web Bill Pay for Comerica personal checking accounts. Additional fees may apply for expedited payment delivery.
4 With Check Safekeeping your checks are not returned with your monthly statement. Although we destroy the checks, copies are kept for a limited time. You can receive a free copy of up to four checks per statement cycle; additional checks per statement cycle may incur a fee.
5 Interest rate adjustment applies to new money funds not already on deposit with Comerica or any Comerica affiliate.
6 Applicable discounts will be determined at time of application or at loan closing. Loans are subject to completion of an application and credit approval. Current interest rate, fees and terms will be available at application. Autopay must be established at the time of loan approval.
7 With Comerica's CheckPhoto, you receive images of the front of your canceled checks with your monthly statement.
8 Interest rate adjustment applies to new or existing money funds.
9 Closing cost reduction equal to 0.25% of a Comerica mortgage loan amount (up to $200 maximum).
10 First four per statement cycle. $2.00/transaction, including balance inquiry, thereafter.
11 The average daily ledger balance is calculated by adding the Ledger Balance in the Account each day of the period and dividing that figure by the number if days in the period. One Comerica Platinum Circle Checking Account per $50,000 maintained in qualifying personal and business account balances. A maximum of three Comerica Platinum Circle Checking Account relationships per qualifying Account balances. Each Comerica Platinum Circle Checking Account Owner is entitled to provide one free Comerica Platinum Circle Checking Account and one Access Checking Account, free of monthly maintenance fees, to any member of his or her household.
12 If qualifying account balances are not maintained, one or more of the Comerica Platinum Circle Checking Accounts related to those balances may be converted to the Rich Rewards Checking Account, at which time you may no longer qualify for Comerica Platinum Circle Checking benefits.
13 Qualifying business balances are restricted to the following types of account ownership: sole proprietorships, partnerships or closely-held corporations. Only owners, principals or managing partners of the business are eligible to open Comerica Platinum Circle Checking Accounts when utilizing business balances to qualify.
14 Also best for individuals who maintain a minimum combined balance of $2,500,000 each day in any combination of assets managed by Comerica Private Wealth Management, in Private Banking loan balances or in qualified non-deposit investment product account balances. Residential mortgage loans are excluded. The Checking Account portion of the Comerica Private Wealth Management Account is offered by Comerica Bank. Deposits will be FDIC insured to the extent permitted by law, only until they are used to invest in money market mutual funds or other securities. See "Special Rules for Sweep Arrangements" section in the Comerica Business Personal Deposit Account Contract.
15 Comerica Platinum Circle Checking was named in the Top 10 Best Premium Checking Accounts of 2025 by GoBankingRates.com.